**PayPal Reaches $30 Billion Milestone in Global Small Business Lending**

On March 26, 2025, PayPal announced that it has surpassed $30 billion in global loan originations through its small business financing solutions, including over 1.4 million loans and cash advances issued to more than 420,000 business accounts worldwide. Since launching PayPal Working Capital in 2013 and PayPal Business Loan in 2017, the company has helped bridge critical funding gaps for small and medium-sized enterprises (SMEs), which often struggle to access traditional credit.

PayPal’s offerings provide a streamlined online application process with minimal paperwork, no lengthy credit checks, and fast funding—often within minutes. Customers have responded positively, with repeat use exceeding 90% and Net Promoter Scores reaching 76 for Working Capital and 85 for Business Loans. The services are available in the U.S., UK, Germany, France, Australia, and the Netherlands.

The impact of these solutions is significant: businesses using PayPal Working Capital have seen an average 36% increase in total PayPal payment volume, while those using Business Loans have reported a 16% boost.

Entrepreneurs like D'Shawn Russell, CEO of Southern Elegance Candle Co., credit PayPal financing with enabling business growth. After starting with $100,000 in sales, she has grown her company into a multi-million-dollar business with the help of multiple PayPal Working Capital loans.

PayPal’s EVP Michelle Gill highlighted that these solutions address one of the biggest challenges small businesses face: access to capital. The company’s tools provide a fast, reliable alternative to traditional lending, helping entrepreneurs scale and succeed in a competitive economy.